Privacy Statement

Centennial
Bank of the West recognizes and respects your expectation
that your privacy will be protected when providing us with
personal information. Accordingly, customer information is
collected, retained, used, and safeguarded with consideration
for its confidentiality. At the same time, we want to offer
you the array of financial products and services that you
need to accomplish your financial goals. We believe that we
can do both through the privacy policy outlined below.

We may share information with an outside company that assists
us in providing customers with our products and services.
We do not, however, share any information with companies that
could send you non-requested marketing information.

Information may also be exchanged with consumer reporting
agencies and provided when legally required or permitted in
connection with litigation, fraud investigation, or an acquisition
or sale.

When Centennial Bank of the West conducts business with third
parties, it requires its vendors and suppliers to maintain
similar and equally stringent standards of conduct regarding
the privacy of personally identifiable customer information
provided to them.

Our employees access information about you only when needed
to maintain your accounts or otherwise meet your banking needs.
Employees are educated on the importance of maintaining the
confidentiality of customer information. We use proven technology
and established procedures for keeping your information secure.
Individual user names and passwords are used by approved bank
personnel to access your personal information, providing audit
trails to further safeguard the privacy of your personal information.

You may visit the public areas of our Website to find out
about our products and services without providing any information
about yourself. We do gather data regarding the number of
visits to our Website to evaluate the usefulness of our site,
but do not use software "cookies." We use Secure Socket Layer
(SSL) technology to keep the information confidential that
you provide to us through Kwik Klik Banking.

We do not knowingly solicit data from children, and we do
not knowingly market to children. We recognize that protecting
your children's identities and privacy online is important
and that the responsibility to do so rests with both the online
industry and with parents.

We take appropriate steps to keep your account information
accurate and up to date. If you ever notice that your information
is not complete, accurate, or current, please call us at the
telephone number listed on the back of your account statement
to let us know. We will correct the information as quickly
as possible.

If you believe that we have not complied with our information
practices, you may contact us at the telephone number listed
on the back of your account statement. Please ask for the
Compliance Department. We will investigate and respond to
your concern.

This policy is effective as of May 2001 and may be modified
from time to time.